SBI Online Shopping Offers Credit Cards in India 2026

5% cashback on all online spends || 1% cashback on all other card spends
– You earn ₹5 cashback, on every ₹100 you spend on online transactions || You earn ₹1 cashback, on every ₹100 you spend on all other card transactions.
– Exceptions : No cashback is given on the following purchases & payments – rent, fuel, utility bills, insurance, wallet loads, school & educational services, jewelry, railways, EMI transactions, cash advances, balance transfer, returns & refunds.
– Maximum cashback given is restricted to ₹5000 per month.
– Cashback is credited to your card account, within 2 days of next card statement generation date.

1% fuel surcharge waiver, upto ₹100 per month
– Fuel surcharge is given only on fuel transactions between ₹500 and ₹3000, and
– Only on fuel purchases upto ₹10,000 per month (since the waiver amount is restricted to ₹100 per monthly card statement cycle)

Benefits
– Good card for those comfortable with online shopping and spending.
– No restrictions on online merchants or categories to earn 5% cashback, unlike many other cards in the industry.

Drawbacks
– Not a good card for those who are not comfortable with online shopping and spending , since cashback rate of 1% is low for such purchases
– High annual card spend requirement (of ₹2 lakhs) to get annual fee waiver.

Upto 4% benefit on spends at participating Reliance Retail Stores : 1.25% on all spends at participating Reliance Retail Stores || Upto 2.8% additional benefit, based on achieving specified annual card spend levels at participating Reliance Retail Stores
✔︎ 1.25% benefit at participating ‘Reliance Retail Stores’
– You earn 5 reward points worth ₹1.25, on every ₹100 you spend at participating ‘Reliance Retail Stores’ (except UPI payments).
– 1 reward point = ₹0.25 or 25 paise. You can convert your reward points to Reliance Retail vouchers.
✔︎ Upto 2.8% additional benefit, on achieving specified annual card spend levels at participating Reliance Retail Stores-
– ₹500 Reliance Retail voucher, at ₹25,000 annual card spend at participating Reliance Retail Stores
– ₹750 Reliance Retail voucher, at ₹50,000 annual card spend at participating Reliance Retail Stores
– ₹1000 Reliance Retail voucher, at ₹80,000 annual card spend at participating Reliance Retail Stores
So you could earn ₹2250, if you spend ₹80,000 at participating Reliance Retail Stores – 2.8% benefit.

1.25% benefit on the following spend categories –  dining || movies
– You earn 5 reward points worth ₹1.25, on every ₹100 you spend on these categories.
– 1 reward point = ₹0.25 or 25 paise. You can convert your reward points to Reliance Retail vouchers.

0.25% benefit on all other card spends
– You earn 1 reward point worth ₹0.25 or 25 paise, on every ₹100 you spend on all other card transactions.
– 1 reward point = ₹0.25 or 25 paise. You can convert your reward points to Reliance Retail vouchers.
– Exceptions : No reward points are given on following card spends – fuel, property rental, wallet upload.

Special discounts upto 5%, at participating Reliance Retail Stores

Fuel surcharge waiver, upto ₹100 per month
– This benefit is valid only on fuel transactions between ₹500 and ₹4000, and
– Only on fuel purchases upto ₹10,000 per month (since the waiver amount is restricted to ₹100 per monthly card statement cycle)

Benefits
– Good card for regular shoppers at various Reliance Retail outlets – you can earn upto 4% on these spends if you utilise the milestone benefits also
– You also get special discounts upto 5%, at participating Reliance Retail Stores

Drawbacks to consider
– You need to consider other credit cards to earn higher rewards on non-Reliance Retail card spends

Upto 5.4% benefit on spends at participating Reliance Retail Stores : 2.50% on all spends at participating Reliance Retail Stores || Upto 2.9% additional benefit, based on achieving specified annual card spend levels at participating Reliance Retail Stores
✔︎ 2.50% benefit at participating ‘Reliance Retail Stores’
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend at participating ‘Reliance Retail Stores’ (except UPI payments).
– 1 reward point = ₹0.25 or 25 paise. You can convert your reward points to Reliance Retail vouchers.
✔︎ Upto 2.9% additional benefit, on achieving specified annual card spend levels at participating Reliance Retail Stores
– ₹1500 Reliance Retail voucher, at ₹75,000 annual card spend at participating Reliance Retail Stores
– ₹2250 Reliance Retail voucher, at ₹1.50 lakhs annual card spend at participating Reliance Retail Stores
– ₹5000 Reliance Retail voucher, at ₹3 lakhs annual card spend at participating Reliance Retail Stores
So you could earn ₹8750, if you spend ₹3 lakhs at participating Reliance Retail Stores – 2.9% benefit.

1.25% benefit on the following spend categories – Dining || Movies & entertainment || Domestic airlines || International spends
– You earn 5 reward points worth ₹1.25, on every ₹100 you spend on these categories.
– 1 reward point = ₹0.25 or 25 paise. You can convert your reward points to Reliance Retail vouchers.

0.50% benefit on all other card spends
– You earn 2 reward points worth ₹0.50(50 paise), on every ₹100 you spend on all other spends.
– 1 reward point = ₹0.25 or 25 paise. You can convert your reward points to Reliance Retail vouchers.
– Exceptions : No reward points are given on following card spends – fuel, property rental, wallet upload.

Fuel surcharge waiver, upto ₹100 per month
– This benefit is valid only on fuel transactions between ₹500 and ₹4000, and
– Only on fuel purchases upto ₹10,000 per month (since the waiver amount is restricted to ₹100 per monthly card statement cycle)

Complimentary international airport lounge access – 4 times per year (maximum 2 times per quarter)

Complimentary domestic airport lounge access – 2 times per quarter

Movie benefits at Book My Show, upto ₹3000 per year : You get 1 complimentary movie ticket a month, upto ₹250.

Benefits
– Good card for regular shoppers at various Reliance Retail outlets – you can earn over 5% on these spends if you utilise the milestone benefits also
– Complimentary access to airport lounges both in India (2 times per quarter) and abroad (4 times per year)

Drawbacks to consider
– You need to consider other credit cards to earn higher rewards on non-Reliance Retail card spends

Upto 9% benefit on Landmark spends : 3.75% on all Landmark spends || Upto 5.27% additional benefit, based on specified annual card spend levels at Landmark stores
(Landmark stores include Spar, Lifestyle, Max, Home Center - both online and in-stores) 
✔︎ 3.75% on all Landmark spends
– You earn 15 reward points worth ₹3.75, on every ₹100 you spend at Landmark outlets.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark stores.
✔︎ Upto 5.27% additional benefit on Landmark spends, based on achieving 3 annual card spend levels at Landmark stores-
– 6000 reward points worth ₹1500, at ₹40000 yearly card spend at Landmark stores
– Additional 12000 reward points worth ₹3000, at ₹1 lakh yearly card spend at Landmark stores
– Additional 20,000 reward points worth ₹5000, at ₹1.80 lakh yearly card spend at Landmark stores
Hence you can get a total of 38000 reward points worth ₹9500, at ₹1.80 lakh yearly card spend at Landmark stores – 5.27% benefit.
(1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark outlets).

Reward points value and redemption process
– 1 reward point = ₹0.25 or 25 paise (since 2.4 SBI reward points = 1 Landmark Reward point = ₹0.60. Hence 1 SBI reward point = ₹0.25 or 25 paise).
– You need to first convert SBI reward points to Landmark Rewards, and then redeem Landmark Rewards instantly at Landmark outlets.

2.50% benefit on - dining spends || movie spends
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend on dining and at movies.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark outlets.

0.50% basic benefit on all other card spends
– You earn 2 reward points worth ₹0.50 (50 paise), on every ₹100 you spend on all other card purchases.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark outlets
– Important exception : No reward points are given on fuel purchases.

Upto 1% additional benefit, through milestone program :
- 20,000 reward points worth ₹5000, at ₹5 lakh yearly card spend on all card purchases - 1% benefit.

Complimentary airport lounge access outside India – 4 times per year (maximum 2 visits per quarter)
– You get complimentary membership to Priority Pass program worth USD 99, which enables international airport lounge access
– You get 4 free visits per year, maximum 2 per quarter
– Additional visits are chargeable

Complimentary airport lounge access in India – 2 times per quarter 

Fuel surcharge waiver, upto ₹250 per month : You get 1% fuel surcharge waiver at all fuel stations across India-
– Only on fuel transactions between ₹500 and ₹4000, and
– Only on fuel spends upto ₹25,000 per month, since the maximum waiver is capped at ₹250 per monthly card statement cycle

Benefits
– Good card for regular shoppers at Landmark outlets – you can earn upto 9% on Landmark spends
– The card is virtually free, since you get rewards worth the annual fee, upon annual fee payment
– Complimentary access to airport lounges both in India (2 times each quarter) and abroad (4 times per year)

Drawbacks to consider
– You will need to consider other credit cards to earn higher rewards on non-Landmark spends
– Only suitable for regular shoppers at Landmark stores, since reward points on all card spends can only be redeemed at Landmark stores

Upto 6.2% benefit on Landmark spends : 2.5% on all Landmark spends || Upto 3.7% additional benefits, based on achieving specified annual card spend levels at Landmark stores.
(Landmark stores include Spar, Lifestyle, Max, Home Center - both online and in-stores) 
✔︎ 2.5% on all Landmark spends
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend at Landmark stores.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark outlets.
✔︎ Upto 3.7% additional benefit, based on achieving 3 annual card spend levels at Landmark stores-
– 2400 reward points worth ₹600, at ₹25000 yearly card spend at Landmark stores
– Additional 8000 reward points worth ₹2000, at ₹75000 yearly card spend at Landmark stores
– Additional 12000 reward points worth ₹3000, at ₹1.50 lakh yearly card spend at Landmark stores
Hence you can get a total of 22400 reward points worth ₹5600, at ₹1.50 lakh yearly card spend at Landmark stores – 3.7% benefit.
(1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark outlets)

Reward points value and redemption process
– 1 reward point = ₹0.25 or 25 paise (Since 2.4 SBI reward points = 1 Landmark Reward point = ₹0.60. Hence 1 SBI reward point = ₹0.25 or 25 paise).
– You need to first convert SBI reward points to Landmark Rewards, and then redeem Landmark Rewards instantly at Landmark outlets.

2.50% benefit on - dining spends || movie spends
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend on dining and at movies.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark outlets.

0.50% basic benefit on all other card spends
– You earn 2 reward point worth ₹0.50 (50 paise), on every ₹100 you spend on all other card purchases.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark outlets.
– Exceptions : No reward points are earned on fuel purchases.

Upto 1% additional benefit, through milestone program  
– You get 12,000 reward points worth ₹3000, at ₹3 lakh yearly card spend - 1% benefit.

Fuel surcharge waiver, upto ₹100 per month : You get 1% fuel surcharge waiver at all fuel stations across India-
– Only on fuel transactions between ₹500 and ₹3000, and
– Only on fuel spends upto ₹10,000 per month, since the maximum waiver is capped at ₹100 per monthly card statement cycle

Benefits
– Good card for regular shoppers at Landmark outlets – you can earn upto 6.2% on Landmark spends
– The card is virtually free, since you get rewards worth the annual fee, upon annual fee payment

Drawbacks
– You will need to consider other credit cards to earn higher rewards on non-Landmark spends
– Only suitable for regular shoppers at Landmark stores, since reward points on all card spends can only be redeemed at Landmark stores

Upto 3.3% benefit on Landmark spends : 1.25% on all Landmark spends || Upto 2.1% additional benefits, based on achieving specified annual card spend levels at Landmark stores
(Landmark stores include Spar, Lifestyle, Max, Home Center - both online and in-stores) 
✔︎ 1.25% on all Landmark spends
– You earn 5 reward points worth ₹1.25, on every ₹100 you spend at Landmark stores.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark stores.
✔︎ Upto 2.1% additional benefit, based on achieving 3 annual card spend levels at Landmark stores-
– 1000 reward points worth ₹250, at ₹20000 yearly card spend at Landmark stores
– Additional 2000 reward points worth ₹500, at ₹45000 yearly card spend at Landmark stores
– Additional 5000 reward points worth ₹1250, at ₹95000 yearly card spend at Landmark stores
Hence you can get a total of 8000 reward points worth ₹2000, at ₹95,000 yearly card spend at Landmark stores – 2.1% benefit.
(1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark stores).

Reward points value and redemption process
– 1 reward point = ₹0.25 or 25 paise (Since 2.4 SBI reward points = 1 Landmark Reward point = ₹0.60. Hence 1 SBI reward point = ₹0.25 or 25 paise).
– You need to first convert SBI reward points to Landmark Rewards, and then redeem Landmark Rewards instantly at Landmark outlets.

1.25% benefit on - dining spends || movie spends
– You earn 5 reward points worth ₹1.25, on every ₹100 you spend on dining and at movies.
– 1 reward point = ₹0.25 (25 paise), and can be redeemed at Landmark stores.

0.25% basic benefit on all other card spends
– You earn 1 reward point worth ₹0.25 (25 paise), on every ₹100 you spend on all other card purchases.
– 1 reward point = ₹0.25 (25 paise), and can be redeemed at Landmark stores.
– Exceptions : No reward points are given on fuel purchases.

Upto 1% additional benefit, through milestone program  
– You get 8000 reward points worth ₹2000, at ₹2 lakh yearly card spend - 1% benefit

Fuel surcharge waiver, upto ₹100 per month : You get a 1% fuel surcharge waiver at all fuel stations across India-
– Only on fuel transactions between ₹500 and ₹3000, and
– Only on fuel spends upto ₹10,000 per month, since the maximum waiver is capped at ₹100 per monthly card statement cycle

Benefits
– Good card for regular shoppers at Landmark outlets – you can earn upto 3.3% on Landmark spends
– The card is virtually free, since you get reward points worth the annual fee, upon annual fee payment

Drawbacks to consider
– You will need to consider other credit cards to earn higher rewards on non-Landmark spends
– Only suitable for regular shoppers at Landmark stores, since reward points on all card spends can only be redeemed at Landmark stores

You can earn upto 9% benefit on Landmark spends : 3.75% on Landmark spends || Upto 5.27% additional benefits, based on achieving 3 annual card spend levels at Landmark stores
(Landmark stores include Spar, Lifestyle, Max, Home Center - both online and in-stores)
✔︎ 3.75% on Landmark spends
– You earn 15 reward points worth ₹3.75 , on every ₹100 you spend at Landmark stores.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark stores.
✔︎ Upto 5.27% additional benefits, based on achieving 3 annual card spend levels at Landmark stores-
1. 6000 reward points worth ₹1500, at ₹40000 yearly card spend at Landmark stores
2. Additional 12000 reward points worth ₹3000, at ₹1 lakh yearly card spend at Landmark stores
3. Additional 20,000 reward points worth ₹5000, at ₹1.80 lakh yearly card spend at Landmark stores
Hence you can get a total of 38000 reward points worth ₹9500, at ₹1.80 lakh yearly card spend at Landmark stores – 5.27% benefit
(1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark stores)

Reward point redemption process
– 1 reward point = ₹0.25 or 25 paise (Since 2.4 SBI reward points = 1 Landmark Reward point = ₹0.60. Hence 1 SBI reward point = ₹0.25 or 25 paise).
– You need to first convert SBI reward points to Landmark Rewards, and then redeem Landmark Rewards instantly at Landmark outlets.

2.50% benefit on - dining spends || movie spends
– You earn 10 reward points worth ₹2.50 , on every ₹100 you spend on dining and at movies.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark stores.

0.50% basic benefit on all other spends
– You earn 2 reward point worth ₹0.50 (50 paise), on every ₹100 you spend on all other card purchases.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark stores.
– Exceptions – No reward points are earned on fuel purchases.

Upto 1% additional benefit, through milestone program 
- You get 20,000 reward points worth ₹5000, at ₹5 lakh yearly card spend on all card purchases - 1% benefit.

Complimentary airport lounge access outside India – 4 times per year (maximum 2 visits per quarter)
– You get complimentary membership to Priority Pass program worth USD 99, which enables international airport lounge access
– You get 4 free visits per year, maximum 2 per quarter. Additional visits are chargeable.

Complimentary airport lounge access in India – 2 times per quarter 

1% fuel surcharge waiver : You get 1% fuel surcharge waiver at all fuel stations across India –
– Only on fuel transactions between ₹500 and ₹4,000 AND
– Only on fuel purchases upto ₹25,000 per month, since the maximum waiver is capped at ₹250 per monthly card statement cycle

Benefits
– Good card for regular shoppers at Landmark outlets – you can earn upto 9% on Landmark spends
– The card is virtually free, since you get rewards worth the annual fee, upon annual fee payment
– Complimentary access to airport lounges both in India (2 times each quarter) and abroad (4 times per year)

Drawbacks to consider
– You need to consider other credit cards to earn higher rewards on non-Landmark spends
– Only suitable for regular shoppers at Landmark stores, since reward points on all card spends can only be redeemed at Landmark stores

Upto 6.2% benefit on Landmark spends : 2.5% on Landmark spends || Upto 3.7% additional benefits, based on achieving 3 annual card spend levels at Landmark stores
(Landmark stores include Spar, Lifestyle, Max, Home Center - both online and in-stores)
✔︎ 2.5% on Landmark spends
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend at Landmark stores.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark stores.
✔︎ Upto 3.7% additional benefits, based on achieving 3 annual card spend levels at Landmark stores-
1. 2400 reward points worth ₹600, at ₹25000 yearly card spend at Landmark stores
2. Additional 8000 reward points worth ₹2000, at ₹75000 yearly card spend at Landmark stores
3. Additional 12000 reward points worth ₹3000, at ₹1.50 lakh yearly card spend at Landmark stores
Hence you can get a total of 22400 reward points worth ₹5600, at ₹1.50 lakh yearly card spend at Landmark stores – 3.7% benefit

Reward point redemption process
– 1 reward point = ₹0.25 or 25 paise (Since 2.4 SBI reward points = 1 Landmark Reward point = ₹0.60. Hence 1 SBI reward point = ₹0.25 or 25 paise).
– You need to first convert SBI reward points to Landmark Rewards, and then redeem Landmark Rewards instantly at Landmark outlets.

2.50% benefit on - dining spends || movie spends
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend on dining and at movies.
– 1 reward point = ₹0.25 or 25 paise.

0.50% basic benefit on all other spends
– You earn 2 reward point worth ₹0.50 (50 paise) , on every ₹100 you spend on all other purchases.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark stores.
– Exceptions : No reward points are given on fuel purchases.

Upto 1% additional benefit, through milestone program  
– You get 12,000 reward points worth ₹3000, at ₹3 lakh yearly card spend on all card purchases - 1% benefit.

1% fuel surcharge waiver : You get 1% fuel surcharge waiver at all fuel stations across India –
– Only on fuel transactions between ₹500 and ₹3,000 AND
– Only on upto ₹10,000 fuel spend per month, since the maximum waiver is capped at ₹100 per monthly card statement cycle

Benefits
– Good card for regular shoppers at Landmark outlets – you can earn upto 6.2% on Landmark spends
– The card is virtually free, since you get rewards worth the annual fee, upon annual fee payment

Drawbacks
– You need to consider other credit cards to earn higher rewards on non-Landmark spends
– Only suitable for regular shoppers at Landmark stores, since reward points on all card spends can only be redeemed at Landmark stores

Upto 3.3% benefit on Landmark spends : 1.25% benefit on Landmark spends || Upto 2.1% additional benefit, based on achieving 3 annual card spend levels at Landmark stores
✔︎ 1.25% on Landmark spends
– You earn 5 reward points worth ₹1.25, on every ₹100 you spend at Landmark stores.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark stores.
✔︎ Upto 2.1% additional benefits, based on achieving 3 annual card spend levels at Landmark stores
-– 1000 reward points worth ₹250, at ₹20000 yearly card spend at Landmark stores
– Additional 2000 reward points worth ₹500, at ₹45000 yearly card spend at Landmark stores
– Additional 5000 reward points worth ₹1250, at ₹95000 yearly card spend at Landmark stores
Hence you can get a total of 8000 reward points worth ₹2000, at ₹95,000 yearly card spend at Landmark stores – 2.1% benefit.
(1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark stores).

Reward point redemption process
– 1 reward point = ₹0.25 or 25 paise (Since 2.4 SBI reward points = 1 Landmark Reward point = ₹0.60. Hence 1 SBI reward point = ₹0.25 or 25 paise).
– You need to first convert SBI reward points to Landmark Rewards, and then redeem Landmark Rewards instantly at Landmark outlets.

1.25% benefit on dining spends and movie spends
– You earn 5 reward points worth ₹1.25, on every ₹100 you spend on dining and at movies.
– 1 reward point = ₹0.25 or 25 paise.

0.25% basic benefit on all other spends
– You earn 1 reward point worth ₹0.25 (25 paise) , on every ₹100 you spend on all other purchases.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark stores.
– Exceptions : No reward points are given on fuel purchases.

Upto 1% additional benefit, through milestone program  
– You get 8000 reward points worth ₹2000, at ₹2 lakh yearly card spend - 1% benefit

Fuel surcharge waiver, upto ₹100 per month : You get a 1% fuel surcharge waiver at all fuel stations across India-
– Only on fuel transactions between ₹500 and ₹3000, and
– Only on fuel spends upto ₹10,000 per month, since the maximum waiver is capped at ₹100 per monthly card statement cycle

Benefits
– Good card entry level card for regular shoppers at Landmark outlets – you can earn upto 3.3% on Landmark spends
– The card is virtually free, since you get rewards worth the annual fee, upon annual fee payment

Drawbacks to consider
– You will need to consider other credit cards to earn higher rewards on non-Landmark spends
– Only suitable for regular shoppers at Landmark stores, since reward points on all card spends can only be redeemed at Landmark stores

Upto 9% benefit on Landmark spends : 3.75% on all Landmark spends || Upto 5.27% additional benefit, based on specified annual card spend levels at Landmark stores
(Landmark stores include Spar, Lifestyle, Max, Home Center - both online and in-stores)
✔︎ 3.75% on all Landmark spends
– You earn 15 reward points worth ₹3.75, on every ₹100 you spend at Landmark outlets.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark stores.
✔︎ Upto 5.27% additional benefit on Landmark spends, based on achieving 3 annual card spend levels at Landmark stores-
– 6000 reward points worth ₹1500, at ₹40000 yearly card spend at Landmark stores
– Additional 12000 reward points worth ₹3000, at ₹1 lakh yearly card spend at Landmark stores
– Additional 20,000 reward points worth ₹5000, at ₹1.80 lakh yearly card spend at Landmark stores
Hence you can get a total of 38000 reward points worth ₹9500, at ₹1.80 lakh yearly card spend at Landmark stores – 5.27% benefit.
(1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark outlets).

Reward points value and redemption process
– 1 reward point = ₹0.25 or 25 paise (since 2.4 SBI reward points = 1 Landmark Reward point = ₹0.60. Hence 1 SBI reward point = ₹0.25 or 25 paise).
– You need to first convert SBI reward points to Landmark Rewards, and then redeem Landmark Rewards instantly at Landmark outlets.

2.50% benefit on - dining spends || movie spends
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend on dining and at movies.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark outlets.

0.50% basic benefit on all other card spends
– You earn 2 reward points worth ₹0.50 (50 paise), on every ₹100 you spend on all other card purchases.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark outlets
– Important exception : No reward points are given on fuel purchases.

Upto 1% additional benefit, through milestone program 
- 20,000 reward points worth ₹5000, at ₹5 lakh yearly card spend on all card purchases - 1% benefit.

Complimentary airport lounge access outside India – 4 times per year (maximum 2 visits per quarter)
– You get complimentary membership to Priority Pass program worth USD 99, which enables international airport lounge access
– You get 4 free visits per year, maximum 2 per quarter. Additional visits are chargeable

Complimentary airport lounge access in India – 2 times per quarter 

Fuel surcharge waiver, upto ₹250 per month : You get 1% fuel surcharge waiver at all fuel stations across India-
– Only on fuel transactions between ₹500 and ₹4000, and
– Only on fuel spends upto ₹25,000 per month, since the maximum waiver is capped at ₹250 per monthly card statement cycle

Benefits
– Good card for regular shoppers at Landmark outlets – you can earn upto 9% on Landmark spends
– The card is virtually free, since you get rewards worth the annual fee, upon annual fee payment
– Complimentary access to airport lounges both in India (2 times each quarter) and abroad (4 times per year)

Drawbacks to consider
– You will need to consider other credit cards to earn higher rewards on non-Landmark spends
– Only suitable for regular shoppers at Landmark stores, since reward points on all card spends can only be redeemed at Landmark stores

Upto 6.2% benefit on Landmark spends : 2.5% on Landmark spends || Upto 3.7% additional benefits, based on achieving 3 annual card spend levels at Landmark stores
(Landmark stores include Spar, Lifestyle, Max, Home Center - both online and in-stores)
✔︎ 2.5% on Landmark spends
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend at Landmark stores.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark stores.
✔︎ Upto 3.7% additional benefits, based on achieving 3 annual card spend levels at Landmark stores-
1. 2400 reward points worth ₹600, at ₹25000 yearly card spend at Landmark stores
2. Additional 8000 reward points worth ₹2000, at ₹75000 yearly card spend at Landmark stores
3. Additional 12000 reward points worth ₹3000, at ₹1.50 lakh yearly card spend at Landmark stores
Hence you can get a total of 22400 reward points worth ₹5600, at ₹1.50 lakh yearly card spend at Landmark stores – 3.7% benefit

Reward point redemption process
– 1 reward point = ₹0.25 or 25 paise (Since 2.4 SBI reward points = 1 Landmark Reward point = ₹0.60. Hence 1 SBI reward point = ₹0.25 or 25 paise).
– You need to first convert SBI reward points to Landmark Rewards, and then redeem Landmark Rewards instantly at Landmark outlets.

2.50% benefit on - dining spends || movie spends
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend on dining and at movies.
– 1 reward point = ₹0.25 or 25 paise.

0.50% basic benefit on all other spends
– You earn 2 reward point worth ₹0.50 (50 paise) , on every ₹100 you spend on all other purchases.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark stores.
– Exceptions : No reward points are given on fuel purchases.

Upto 1% additional benefit, through milestone program  
– You get 12,000 reward points worth ₹3000, at ₹3 lakh yearly card spend on all card purchases - 1% benefit.

1% fuel surcharge waiver : You get 1% fuel surcharge waiver at all fuel stations across India –
– Only on fuel transactions between ₹500 and ₹3,000 AND
– Only on upto ₹10,000 fuel spend per month, since the maximum waiver is capped at ₹100 per monthly card statement cycle

Benefits
– Good card for regular shoppers at Landmark outlets – you can earn upto 6.2% on Landmark spends
– The card is virtually free, since you get rewards worth the annual fee, upon annual fee payment

Drawbacks
– You need to consider other credit cards to earn higher rewards on non-Landmark spends
– Only suitable for regular shoppers at Landmark stores, since reward points on all card spends can only be redeemed at Landmark stores

Upto 3.3% benefit on Landmark spends : 1.25% benefit on Landmark spends || Upto 2.1% additional benefit, based on achieving 3 annual card spend levels at Landmark stores
(Landmark stores include Spar, Lifestyle, Max, Home Center - both online and in-stores)
✔︎ 1.25% on Landmark spends
– You earn 5 reward points worth ₹1.25, on every ₹100 you spend at Landmark stores.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark stores.
✔︎ Upto 2.1% additional benefits, based on achieving 3 annual card spend levels at Landmark stores
-– 1000 reward points worth ₹250, at ₹20000 yearly card spend at Landmark stores
– Additional 2000 reward points worth ₹500, at ₹45000 yearly card spend at Landmark stores
– Additional 5000 reward points worth ₹1250, at ₹95000 yearly card spend at Landmark stores
Hence you can get a total of 8000 reward points worth ₹2000, at ₹95,000 yearly card spend at Landmark stores – 2.1% benefit.
(1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark stores).

Reward point redemption process
– 1 reward point = ₹0.25 or 25 paise (Since 2.4 SBI reward points = 1 Landmark Reward point = ₹0.60. Hence 1 SBI reward point = ₹0.25 or 25 paise).
– You need to first convert SBI reward points to Landmark Rewards, and then redeem Landmark Rewards instantly at Landmark outlets.

1.25% benefit on dining spends and movie spends
– You earn 5 reward points worth ₹1.25, on every ₹100 you spend on dining and at movies.
– 1 reward point = ₹0.25 or 25 paise.

0.25% basic benefit on all other spends
– You earn 1 reward point worth ₹0.25 (25 paise) , on every ₹100 you spend on all other purchases.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed at Landmark stores.
– Exceptions : No reward points are given on fuel purchases.

Upto 1% additional benefit, through milestone program  
– You get 8000 reward points worth ₹2000, at ₹2 lakh yearly card spend - 1% benefit

Fuel surcharge waiver, upto ₹100 per month : You get a 1% fuel surcharge waiver at all fuel stations across India-
– Only on fuel transactions between ₹500 and ₹3000, and
– Only on fuel spends upto ₹10,000 per month, since the maximum waiver is capped at ₹100 per monthly card statement cycle

Benefits
– Good card entry level card for regular shoppers at Landmark outlets – you can earn upto 3.3% on Landmark spends
– The card is virtually free, since you get rewards worth the annual fee, upon annual fee payment

Drawbacks to consider
– You will need to consider other credit cards to earn higher rewards on non-Landmark spends
– Only suitable for regular shoppers at Landmark stores, since reward points on all card spends can only be redeemed at Landmark stores

3% cashback on following Paytm spends - Travel tickets (flights, train & bus) || Shopping at Paytm Mall || Movie tickets
- You earn ₹3 cashback, on every ₹100 you spend in these categories
- Cashback is credited as Paytm vouchers, in your Paytm Wallet

2% cashback on all other Paytm spends 
- You earn ₹2 cashback, on every ₹100 you spend on all other Paytm transaction (no limit on cashback)
- Cashback is credited as Paytm vouchers, in your Paytm Wallet

1% cashback benefit on all other card spends (non-Paytm spends)
– You earn ₹1 cashback, on every ₹100 you spend on all other card transactions (no limit on cashback)
– Cashback is credited as Paytm vouchers, in your Paytm Wallet
– Exception : No cashback is given on rent transaction, wallet loads and fuel purchases

Complimentary cyber fraud insurance of ₹1 lakh

1% fuel surcharge waiver at all fuel stations, upto ₹100 per month
– This benefit is valid only on fuel transactions between ₹500 and ₹3000, and
– Only on fuel purchases upto ₹10,000 per month, since the maximum waiver is restricted to ₹100 per monthly card statement cycle

Benefits :
– Good card for Paytm users, you get upto 3% cashback on a variety of spends

Drawbacks to consider :
– Cashback on non-Paytm purchases is quite low (1%), hence you will need to consider other cards to earn rewards on non-Paytm spends
– Not a good card for people who prefer in-store (face to face) shopping, and do not like online shopping

2.50% benefit at Aditya Birla Fashion (online and retail stores) - Louis Philippe, Van Heusen, Allen Solly, Peter England, American Eagle, Forever 21, Pantaloons, The Collective, Simon Carter, Ralph Lauren, Hackett London, Ted Baker and Fred Perry. And also Vodafone Idea (Vi)
– 10 reward points worth ₹2.50, on every ₹100 you spend in these categories
– 1 reward point = upto ₹0.25, and can be redeemed for gift vouchers & products at SBI Card’s rewards redemption platform. Redemption options can be restrictive. On many redemption options, you would get a value lower than 25 paise for each reward point.

1.25% benefit on dining & entertainment spends || hotel spends
– 5 reward points worth ₹1.25, on every 100 you spend on these categories
– 1 reward point = upto ₹0.25, and can be redeemed for gift vouchers & products at SBI Card’s rewards redemption platform

0.12% benefit on all other card spends
– 0.5 reward point worth ₹0.12 (12 paise), on every 100 you spend on all other card transaction
– 1 reward point = upto ₹0.25, and can be redeemed for gift vouchers & products at SBI Card’s rewards redemption platform
– Exceptions : No reward points are given on fuel spends, utilities, and mobile wallet upload

Additional reward, upto 0.66% (milestone benefit)
– 2000 reward points worth ₹500, at ₹1 lakh annual card spend (0.50% benefit)
– Additional 2000 reward points worth ₹500, at ₹1.50 lakh annual card spend. Hence you could earn 4000 reward points worth ₹1000, at ₹1.50 lakh annual card spend (0.66% benefit)

Fuel surcharge waiver upto ₹100 per month
– 1% fuel surcharge waiver, on fuel transactions upto ₹3000 only, and
– Only on fuel spends upto ₹10000 per month, since the maximum waiver is capped at ₹100 per month.

Benefits
– Good card for frequent shoppers at Aditya Birla stores

Drawbacks to consider
– Redemption options can be restrictive. On many redemption options, you would get a value lower than 25 paise for each reward point.
- You need to consider other cards to earn higher rewards on non-Aditya Birla spends

5% benefit at Aditya Birla Fashion (online and retail stores) - Louis Philippe, Van Heusen, Allen Solly, Peter England, American Eagle, Forever 21, Pantaloons, The Collective, Simon Carter, Ralph Lauren, Hackett London, Ted Baker and Fred Perry. And also Vodafone Idea (Vi)
– 20 reward points worth ₹5, on every 100 you spend at these stores
– 1 reward point = upto ₹0.25, and can be redeemed for gift vouchers & products at SBI Card’s rewards redemption platform. Redemption options can be restrictive. On many redemption options, you would get a value lower than 25 paise for each reward point.

2.50% benefit on dining & entertainment spends || hotel spends
– 10 reward point worth ₹2.50, on every 100 you spend on these categories
– 1 reward point = upto ₹0.25, and can be redeemed for gift vouchers & products at SBI Card’s rewards redemption platform

0.25% benefit on all other card spends
– 1 reward point worth ₹0.25, on every 100 you spend on all other card transaction
– 1 reward point = upto ₹0.25, and can be redeemed for gift vouchers & products at SBI Card’s rewards redemption platform
– Exceptions : No reward points are given on fuel spends, utilities, and mobile wallet upload

Additional reward, upto 0.50% (milestone benefit)
– 3000 reward points worth ₹750, at ₹1.50 lakh annual card spend (0.50% benefit)
– Additional 3000 reward points worth ₹750, at ₹3 lakh annual card spend. Hence you could earn 6000 reward points worth ₹1500, at ₹3 lakh annual card spend (0.50% benefit)

Complimentary airport lounge access in India – 4 per year (maximum 1 per quarter)

Fuel surcharge waiver upto ₹100 per month
– 1% fuel surcharge waiver, on fuel transactions upto ₹3000 only, and
– Only on fuel spends upto ₹10000 per month, since the maximum waiver is capped at ₹100 per month.

Benefits
– Good card for frequent shoppers at Aditya Birla Stores

Drawbacks to consider
– Redemption options can be restrictive. On many redemption options, you would get a value lower than 25 paise for each reward point.